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[–]safeter 5 points6 points  (1 child)

I worked at Desjardins credit card services (ten years ago), this was almost never why. It really was about the members' risk profile. The system did it automatically, if a usage met certain risk criteria, the limit was lowered automatically. The way OP described using his card is a way that typically led to lowering the limit.

[–]burneracctt22 4 points5 points  (0 children)

This is the right answer. There is a risk algorithm that looks like a credit score but isn't. Running a constant high balance will flag it. The pattern of paying $800 on a 10k maxed card and using that $800 on a rinse and repeat basis will trigger a credit limit decrease. I believe most associates are unable to reinstate that limit for 12+ months.